Last update: Oct 2026

Cost of Living Comparison Between Lagos and Ubud, Bali

For one person, living is cheaper in Lagos: $951 a month against $1,368 in Ubud, Bali, rent and utilities included – about $5,000 less a year. Rent and utilities account for about half of the difference.

46

Cost of Living Index in Lagos
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Lagos Living Index
67

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index

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Lagos

🇳🇬 Nigeria

$951

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Monthly Cost of Living

How much you'll spend in Lagos and in Ubud, Bali

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Lagos and in Ubud, Bali actually costs, broken down by who's living it.

A single person spends $951 per month in Lagos vs $1,368 in Ubud, Bali, rent included.

Lagos $951
Ubud, Bali $1,368

A couple spends around $1,859 per month in Lagos vs $2,314 in Ubud, Bali, rent included.

Lagos $1,859
Ubud, Bali $2,314

A family of three spends $2,768 per month in Lagos vs $3,260 in Ubud, Bali, rent included.

Lagos $2,768
Ubud, Bali $3,260

Lagos is about 30% cheaper than Ubud, Bali, and outside of rent the biggest gap is in groceries.

Lagos sits 30% below the global median, while Ubud, Bali is 1% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.82 ₦5,082

$3.33 Rp 59.9K

14.71%

Three-Course Dinner for Two, Mid-Range

$50.8 ₦67.5K

$35.18 Rp 633.2K

44.26%

Fast Food Meal (McDonalds, etc)

$7.38 ₦9,815

$5.80 Rp 104.5K

27.24%

Cappuccino

$2.83 ₦3,768

$2.73 Rp 49.1K

3.66%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$0.43 ₦577

$1.64 Rp 29.5K

-73.78%

Water (0.33 liter bottle)

$0.22 ₦291

$0.83 Rp 15.0K

-73.49%

Local Beer (0.5 liter draught)

$1.01 ₦1,348

$2.70 Rp 48.6K

-62.59%

Imported Beer (0.33 liter bottle)

$2.02 ₦2,692

$4.30 Rp 77.4K

-53.02%

Milk (1 liter)

$3.10 ₦4,120

$1.50 Rp 27.1K

106.67%

White Bread (500g)

$1.50 ₦1,989

$2.30 Rp 41.4K

-34.78%

Rice (white) (1kg)

$1.25 ₦1,669

$1.18 Rp 21.2K

5.93%

Eggs

$2.27 ₦3,013

$2.14 Rp 38.6K

6.07%

Local Cheese (1kg)

$3.44 ₦4,578

$17.48 Rp 314.6K

-80.32%

Chicken Fillets (1kg)

$3.79 ₦5,040

$4.03 Rp 72.5K

-5.96%

Beef Round Steak (1kg)

$4.58 ₦6,093

$12.23 Rp 220.1K

-62.55%

Apples (1kg)

$1.70 ₦2,255

$3.55 Rp 63.9K

-52.11%

Banana (1kg)

$1.29 ₦1,716

$1.57 Rp 28.3K

-17.83%

Oranges (1kg)

$1.11 ₦1,475

$2.24 Rp 40.2K

-50.45%

Tomato (1kg)

$1.29 ₦1,718

$1.93 Rp 34.7K

-33.16%

Potato (1kg)

$1.37 ₦1,823

$1.88 Rp 33.9K

-27.13%

Onion (1kg)

$1.36 ₦1,803

$2.29 Rp 41.3K

-40.61%

Lettuce (1 head)

$0.85 ₦1,128

$0.99 Rp 17.9K

-14.14%

Water (1.5 liter bottle)

$0.40 ₦528

$0.53 Rp 9,475

-24.53%

Cigarettes 20 Pack (Marlboro, Camel)

$0.60 ₦793

$2.28 Rp 41.1K

-73.68%

Wine (Bottle)

$2.52 ₦3,346

$23.01 Rp 414.2K

-89.05%

Local Beer (0.5 liter bottle)

$0.54 ₦721

$2.34 Rp 42.2K

-76.92%

Imported Beer (0.33 liter bottle)

$0.46 ₦612

$2.91 Rp 52.4K

-84.19%

One-way Ticket (Public Transport)

$0.40 ₦532

$0.24 Rp 4,315

66.67%

Public Transport Monthly Pass (Regular Price)

$19.73 ₦26.2K

$8.82 Rp 158.7K

123.70%

Taxi Start (Normal Tariff)

$0.65 ₦864

$0.48 Rp 8,684

35.42%

Taxi (Normal Tariff) (1km)

$0.95 ₦1,270

$0.46 Rp 8,233

106.52%

Taxi 1hour Waiting (Normal Tariff)

$2.25 ₦2,987

$5.45 Rp 98.2K

-58.72%

Gasoline (1 liter)

$0.83 ₦1,098

$0.88 Rp 15.9K

-5.68%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$11.1K ₦14.8M

$24.6K Rp 442.2M

-54.77%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$13.6K ₦18.1M

$31.2K Rp 561.4M

-56.27%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$113 ₦150.7K

$83.0 Rp 1.5M

36.51%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$15.08 ₦20.1K

$6.45 Rp 116.0K

133.80%

Internet (50+ Mbps, Unlimited Data)

$33.09 ₦44.0K

$18.57 Rp 334.2K

78.19%

Gym Membership (Monthly)

$28.10 ₦37.4K

$55.8 Rp 1.0M

-49.66%

Tennis Court (1 Hour on Weekend)

$6.79 ₦9,027

$18.11 Rp 326.0K

-62.51%

Cinema Ticket

$6.19 ₦8,237

$4.38 Rp 78.9K

41.32%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$659 ₦877.1K

$493 Rp 8.9M

33.75%

International Primary School, 1 Child (Yearly)

$19.5K ₦26.0M

$5,754 Rp 103.6M

239.78%

Jeans (Levis 501 Or Similar)

$14.85 ₦19.8K

$46.19 Rp 831.4K

-67.85%

Summer Dress (H&M, Zara, etc)

$17.95 ₦23.9K

$35.33 Rp 636.0K

-49.19%

Sport Shoes (Adidas, Nike)

$36.30 ₦48.3K

$79.1 Rp 1.4M

-54.10%

Men's Leather Business Shoes

$48.95 ₦65.1K

$78.4 Rp 1.4M

-37.56%

1-bedroom Apartment, City Center (Monthly)

$704 ₦936.6K

$1,142 Rp 20.6M

-38.37%

1-bedroom Apartment, Outside City Center (Monthly)

$417 ₦554.1K

$676 Rp 12.2M

-38.34%

3-bedroom Apartment, City Center (Monthly)

$2,825 ₦3.8M

$3,503 Rp 63.1M

-19.37%

3-bedroom Apartment, Outside City Center (Monthly)

$1,516 ₦2.0M

$1,700 Rp 30.6M

-10.83%

Buy Apartment in City Center (m2)

$3,283 ₦4.4M

$2,784 Rp 50.1M

17.92%

Buy Apartment Outside City Center (m2)

$1,597 ₦2.1M

$2,241 Rp 40.3M

-28.74%

Average Monthly Net Salary (After Tax)

$117 ₦155.2K

$165 Rp 3.0M

-29.11%

20-Year Fixed Mortgage Interest Rate (Annual %)

18.39

13.78

33.45%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Lagos: October 13, 2026

Last update for Ubud, Bali: October 11, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Lagos

$417 43.8%

Ubud, Bali

$676 49.4% 62.2% $259

Monthly Utilities & Internet

Lagos

$161 17%

Ubud, Bali

$108 7.9% 33.1% $53

Groceries & Markets

Lagos

$154 16.2%

Ubud, Bali

$290 21.2% 88.9% $137

Eating Out

Lagos

$98 10.4%

Ubud, Bali

$109 8% 10.5% $10

Clothing & Footwear

Lagos

$53 5.6%

Ubud, Bali

$108 7.9% 102% $54

Sport & Entertainment

Lagos

$40 4.3%

Ubud, Bali

$65 4.7% 59.5% $24

Getting Around

Lagos

$27 2.8%

Ubud, Bali

$13 0.9% 53.1% $14

Cost Breakdown

A central one-bedroom costs $704 in Lagos versus $1,142 in Ubud, Bali. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 41% higher in Ubud, Bali, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $51.0 in Lagos versus $35.00 in Ubud, Bali. Groceries tell a different story – $154 in Lagos vs $290 in Ubud, Bali – so Lagos wins on supermarket bills even if dining out costs more.

Good to know

🇳🇬 Lagos

🇮🇩 Ubud, Bali

🕒 Local time

18:27 6:27 PM

01:27 1:27 AM

7 h ahead of Lagos

🌤 Weather

👥 Population

10,404,112

74,800

💱 Currency

Nigerian Naira NGN ₦

Indonesian Rupiah IDR Rp

📈 Exchange rate

10,000 NGN = 7.52 USD

10,000 NGN = 6.69 EUR

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to NGN – Nigerian Naira Converter

🇺🇸 United States Dollar ($)

🇳🇬 Nigerian Naira (₦)

Nigerian Naira exchange rates as of October 17, 2026: 1 USD = 1,330 NGN (10,000 NGN = 7.52 USD). 1 EUR = 1,496 NGN (10,000 NGN = 6.69 EUR).

Indonesian Rupiah exchange rates as of October 17, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,238 IDR (100,000 IDR = 4.94 EUR).

USD to NGN in detail →

On the map

Lowest

Highest

Between locations

Lagos Ubud, Bali 12,510 km ≈ 16 h nonstop flight

From you

Lagos
Ubud, Bali

Distances are measured in a straight line. Your location is detected approximately.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Lagos vs Ubud, Bali: Cost of Living - Frequently Asked Questions

Ubud, Bali costs about 44% more than Lagos, and outside of rent the gap comes mainly from groceries. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $1,426 per month in Lagos and $2,051 in Ubud, Bali. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Lagos, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Kindergarten costs $659 per month in Lagos and $493 in Ubud, Bali. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 89% more in Ubud, Bali, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A $1,000 monthly budget goes further in Lagos, where all-in costs run around $951, than in Ubud, Bali at $1,368. In Lagos it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Lagos costs $951 versus $1,368 in Ubud, Bali. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Lagos. If higher salaries, better infrastructure, or specific career opportunities are the priority, Ubud, Bali makes more sense. Both are solid long-term options with distinct trade-offs.